☰

Home›
Credit Unions›
U S EMPLOYEES

iAdvertiser Disclosure

U S EMPLOYEES Rates & Review March 2026

Q: How many branches does U S EMPLOYEES operate?

U S EMPLOYEES currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join U S EMPLOYEES?

Yes, to access services at U S EMPLOYEES, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, U S EMPLOYEES does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, U S EMPLOYEES provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 28, 2026

You can compare U S EMPLOYEES rates to other rates in our database, including 12-month share certificate rates currently at 0.25%, 6-month share certificate rates at 1.78% and 3-month share certificate rates at 1.75%. Savings rates are at 0.20% and money market rates are at 3.81%. Mortgage rates on 30-year fixed loans are around 6.08%. All these rates can be compared to U S EMPLOYEES rates. MonitorBankRates evaluates the financial stability of U S EMPLOYEES with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.25%. Rates were last updated on 03/28/2026.

U S EMPLOYEES money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at U S EMPLOYEES? Share your experience about U S EMPLOYEES by leaving a review below, or read customer reviews before you decide to use U S EMPLOYEES.

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.25%

Excellent Higher than avg

Fifth Third Bank, N.A.
U S POST OFFICE

331 Madison St
Fairmont, WV 26554 3124

Current Rate Availability

We do not have U S EMPLOYEES rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for U S EMPLOYEES is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather U S EMPLOYEES rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with U S EMPLOYEES's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name U S EMPLOYEES

Website

Address 331 Madison St, Fairmont, WV 26554 3124

Phone 304-366-0910

Fax

President Brandy Lanham

CEO James Emerick

Full-Time Employees 0

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (93/100)

Texas Ratio

14.25%

Return on Assets (ROA)

-1.6645%

Return on Equity (ROE)

-17.8250%

Non-Performing Loans Ratio (NPL)

5.41%

Total Assets

545,343

Total Amount of Shares and Deposits

493,208

Total Shares and Deposits < 1 Year

493,208

Total Insured Shares and Deposits > $250K (item 17 less item K)

493,208

Total Interest Expense (Sum of items 6 8)

7,391

Share Certificates

Number of Accounts for Regular Shares

116

All other shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

172,142

Total Liabilities

494,420

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for U S EMPLOYEES yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for U S EMPLOYEES

Frequently Asked Questions About U S EMPLOYEES

Is U S EMPLOYEES a safe place to deposit money?

Yes, U S EMPLOYEES is considered a safe financial institution. With a Texas Ratio of 14.24940596144%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does U S EMPLOYEES operate?

U S EMPLOYEES currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join U S EMPLOYEES?

Yes, to access services at U S EMPLOYEES, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, U S EMPLOYEES does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, U S EMPLOYEES provides members with tools to manage their accounts and build a solid financial history.

Does U S EMPLOYEES offer online and mobile banking?

Most modern institutions like U S EMPLOYEES provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.